10323 SW 98TH PLACE ROAD, OCALA, FL, 34481
Active124 days on marketListed Apr 8, 2026MLS #OM722379
Come see it
Upcoming open house
Fri, Aug 21
1:30 PM – 3:00 PM
About this home
10323 SW 98TH PLACE ROAD
Located in the Longleaf Ridge neighborhood of On Top of the World, this 2023-built home offers 2 bedrooms, 2 bathrooms, and a versatile flex room, all thoughtfully positioned on a desirable privacy lot that enhances both outdoor living and overall setting. The open-concept layout features luxury vinyl plank flooring throughout, creating a cohesive and low-maintenance living space filled with natural light. The kitchen is designed for both everyday living and entertaining, complete with quartz countertops, custom pull-out shelving, stainless steel appliances, and a gas slide-in range. Both bathrooms feature quartz countertops, adding a clean and consistent finish throughout the home. Outdoor living is highlighted by a screened lanai that provides a comfortable space to relax while enjoying the added privacy this lot offers. Additional features include a 2-car garage, paver driveway, and an indoor laundry room with washer and dryer for everyday convenience. Residents of On Top of the World enjoy access to a wide range of amenities, including fitness centers, swimming pools, pickleball and basketball courts, and a variety of clubs and activities, all within a gated 55+ community with convenient access to shopping, dining, and everyday services.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,469
Sqft
0.15 ac
Lot size
2
Garage
2023
Year built
One
Levels
$187
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,494 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,494/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+12.5%
$/sqft vs ON TOP OF THE WORLD
$187 vs $145
Days on market
124 vs 52 typical
Where $187/sqft sits among the 235 homes for sale in ON TOP OF THE WORLD
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside On Top Of The World
Get to know Ocala. See the full Ocala guide →
On Top Of The World — neighborhood snapshot
Population
9,305
Median age
73
Median income
$51,446
Median home value
$222,633
Avg household
2
Households w/ children
77%
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
112 of 235
ON TOP OF THE WORLD have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10323 SW 98TH PLACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$197,500
9275 SW 97TH LANE UNIT B · same community
2 bd · 2 ba · 1,470 sqft · $134/sqft · 36 DOM
Sold · Dec ’25$158,900
9575 SW 92ND STREET ROAD · same community
2 bd · 2 ba · 1,414 sqft · $112/sqft · 7 DOM
Sold · Dec ’25$131,000
2360 WORLD PARKWAY BOULEVARD UNIT 38 · same community
2 bd · 2 ba · 1,400 sqft · $94/sqft · 47 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 10323 SW 98TH PLACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10323 SW 98TH PLACE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10323 SW 98TH PLACE ROAD FAQs
What would the monthly payment be for 10323 SW 98TH PLACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,494/mo — principal and interest, the actual property-tax bill, the $494/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10323 SW 98TH PLACE ROAD?+
The association fee works out to $494 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10323 SW 98TH PLACE ROAD?+
The most recent tax bill on record (2025) was $1,207. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10323 SW 98TH PLACE ROAD?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $274,900, this home is listed about 8% below the Ocala median of $298,888. The market section on this page shows how the area is trending.
Which schools are assigned to 10323 SW 98TH PLACE ROAD?+
Liberty Middle School (middle), Hammett Bowen Junior Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$274,900 runs 20% above the OCALA 34481 median.
02Time on market is leverage
124 days on market against a Ocala median of 52 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $289,900, now $274,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ON TOP OF THE WORLD REAL EST · Christy Main. MLS #OM722379.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Ocala homes, in your inbox
Like 10323 SW 98TH PLACE ROAD but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →